Karnataka BankKarnataka Bank Visa Classic Contactless Debit Card – Benefits, Fees & Eligibility
Is the Karnataka Bank Visa Classic Contactless Debit Card Right for You?
The Karnataka Bank Visa Classic Contactless Debit Card is best suited for users who prioritize Shopping, Everyday Use. With an issuance fee of Lifetime Free and an annual maintenance charge of Lifetime Free, this card offers free entry for new applicants. It offers Instant Discounts as its primary reward mechanism.
Key Card Details
Lifetime Free
Lifetime Free
Instant Discounts
₹25,000 per day
₹75,000 per day
Notable Perks
Dining Benefits
15% off at US Pizza
Things to Consider
No reward points or cashback program for regular transactions
Daily ATM withdrawal limit of ₹25,000 is relatively low
No domestic or international airport lounge access benefits
Benefits & Features
Reward Type
Instant Discounts
Dining Benefits
15% off at US Pizza
Daily ATM Withdrawal Limit
₹25,000 per day
Daily POS/Online Spend Limit
₹75,000 per day
Fees & Charges
Issuance Fee
Lifetime Free
AMC Fee
Lifetime Free
Pros & Cons
Pros
Key benefits and features of this card.
Contactless 'Tap & Go' feature enables swift payments up to ₹5,000 daily
Wide global acceptance at over 1 million Visa ATMs and merchant outlets
Special merchant discounts on dining, wellness, and personal care services
EMV chip and CVV security provide robust protection against fraud
Instant SMS alerts help monitor transactions and detect unauthorized use
Cons
Key drawbacks and limitations of this card.
No reward points or cashback program for regular transactions
Daily ATM withdrawal limit of ₹25,000 is relatively low
No domestic or international airport lounge access benefits
Lacks insurance covers such as personal accident or purchase protection
No fuel surcharge waiver or travel-related privileges offered
Product Details
Contactless 'Tap & Go' technology via RFID/NFC for fast payments
EMV chip and CVV code for enhanced online and offline security
Wide acceptance at over 1 million Visa ATMs and POS terminals globally
Automatic activation for merchant transactions after first ATM cash withdrawal
SMS banking alerts for real-time transaction monitoring
Compatible with KBL Mobile Plus app for digital banking
Benefits & Features
Reward Type
Instant Discounts
Dining Benefits
15% off at US Pizza
Daily ATM Withdrawal Limit
₹25,000 per day
Daily POS/Online Spend Limit
₹75,000 per day
What matters, explained clearly
Introduction
The KBL Visa Classic Contactless Debit Card, issued by Karnataka Bank, is designed for modern banking with a focus on speed and convenience. Its top differentiating benefits include the 'Tap & Go' contactless payment feature, allowing swift transactions up to ₹5,000 daily, and wide acceptance at over 1 million Visa ATMs and POS terminals globally. The card is positioned as a budget-friendly option for fast-paced lifestyles, offering special discounts on contactless payments.
Transaction Limits & Usage
- Daily ATM Withdrawal Limit: ₹25,000 per day at all ATMs, subject to available account balance.
- Daily POS/E-commerce Limit: ₹75,000 per day at merchant establishments, subject to available account balance.
- Contactless Payment Limit: Up to ₹5,000 per day for contactless 'Tap & Go' transactions.
- Network Acceptance: Wide domestic and global usage with over 1 million Visa ATMs and POS terminals worldwide.
Fees and Charges
- Card Blocking via SMS: To block the card, send an SMS to +91 988 065 4321 with the text "BLOCK XXXX" (where XXXX is the last 4 digits of the card number).
- 24-Hour Emergency Helpline: For blocking the card or assistance, call +91 802 202 1500.
Rewards & Offers
- Contactless Payment Offers: Avail special offers and discounts specifically for contactless payments.
- Merchant-Specific Discounts:
- VLCC: Head-to-Toe Services at Rs. 3,499; Full Body Laser Hair Reduction (6 Sessions) at Rs. 44,444; Hydra Synergy Oxygenic Facial at Rs. 3,999; Summer Detan Facial at Rs. 825; Underarms Laser Hair Reduction at Rs. 999.
- Himalaya Wellness: 10% off on all purchases on a minimum order value of Rs. 500 and above.
- US Pizza: 15% off on the food bill.
Other Details
- Card Activation: The card is automatically activated for payment transactions at merchant outlets within 24 hours of the first cash withdrawal at any MoneyPlant ATM or NFS ATM.
- Lost or Stolen Card Reporting: Report immediately by emailing info@ktkbank.com or calling toll-free numbers 1800 425 1444 or 1800 572 8031.
- Technology: Contactless payments use radio-frequency identification (RFID) or near-field communication (NFC) technology.
- Security: The card includes an EMV chip and a CVV (Card Verification Value) code for additional security in online or phone transactions.
- SMS Banking: The service provides automatic text alerts for transactions, helping monitor activity and detect unauthorized use.
- Mobile App: The KBL Mobile Plus app is available for download on the Google Play Store and Apple App Store.